Research On Optimization Of Risk Management Mechanism Of H Guarantee Company

Since 2018,Premier Li has held a meeting for many times,inclined to encourage financial institutions to support small and medium-sized enterprises,for small and medium-sized enterprises to provide more financing channels,and repeatedly mentioned to make guarantee the social function of the industry,and focuses on the national guarantee fund to go to small and medium-sized enterprise business direction,to really serve the development of the real economy.In recent years,trade frictions between China and the United States have brought a certain impact on the global economy and brought pressure on the development of small and medium-sized enterprises in China.Many small and medium-sized enterprises,because of the supply and demand of the market,are lack of cash flow supplement,unable to expand production;Some because of overcapacity,end up with a large inventory of goods;Some enterprises,upstream and downstream efficiency is bad,accounts receivable more and more,resulting in a lot of enterprise cash flow very tense.Since the reform and opening,small and medium-sized enterprises have always been the important power of economic development in China,the stand or fall of small and medium-sized enterprises directly affect the whole social economic and employment situation,so the country in recent years has improved support for small and medium-sized enterprises,and repeatedly asked Banks and other financial institutions to offer small and medium-sized enterprise financing a variety of loan products.Although Banks like CCB,ICBC have introduced a tax credit,water and electricity business such as loans,they can give high amounts of bank loans as well as mainly mortgage class,such as housing mortgage,plant mortgages,and most of the small and medium-sized enterprise on a smaller scale.Financial management is not sound.They can mortgage assets less,even many small and medium-sized enterprises already have high debt problems.These series of problems can no longer be solved quickly by relying on traditional financial institutions such as Banks.This is also why the state has repeatedly mentioned that the guarantee industry should give play to its financial tools to help to break through the existing difficulties and play a role in boosting China's economic transformation.Unlike traditional financial institutions,guarantee companies play an important role in the financial industry.In economic institutions,guarantee companies are mainly a tool to enhance credit,which can provide additional functions for financial institutions such as Banks,and can replace strong mortgages for small and medium-sizedenterprises in the case of weak strength.It is easier for small and medium-sized enterprises to raise funds in Banks,with a higher credit line.In addition,through continuous development and innovation,guarantee companies have derived more business models,and more model innovation compared with Banks,so as to truly solve financing problems for various small and medium-sized enterprises.However,at the same time,problems of guarantee companies also appear.Some guarantee companies are afraid of risks brought by small and medium-sized enterprises and keep a wait-and-see attitude towards their businesses,which is different from the national development strategy.Some guarantee companies believe that the current development opportunities,blind expansion of small and medium-sized enterprises guarantee business scale,and the neglect of risk control,resulting in the risk of irreparable hidden dangers.In the financial industry,risk control is the key to the sound development of every institution.From the current understanding,most guarantee companies do not do enough in risk management,there are a lot of details,there are great risks for business development.The H guarantee company selected in this paper is a large mixed-ownership financing guarantee company in J province,which mainly focuses on financing guarantee business.In recent years,it has expanded its non-financing guarantee business such as bid guarantee,security guarantee and commercial guarantee.Based on the guarantee theory of early scholars at home and abroad and the risk management theory of the guarantee industry,this paper conducts in-depth analysis and research on the risk problems in the operation and development of H company,and puts forward some optimization countermeasures.This paper is divided into six parts.The first part is the introduction,which introduces the research background and significance of this paper.The second part introduces the relevant contents of guarantee,guarantee business classification and risk management,and studies of the causes,characteristics and business management process of the risk of guarantee business.The third part focuses on the actual situation of H company,including its business situation,existing risk control mode and internal and external risks.The fourth part studies the risk problems of H company in terms of internal management,business operation management and talent management.In the fifth part,by combining the concept of Internet science and technology,some optimization countermeasures are proposed,such as establishing a risk early warning system,improving internal risk management and establishing a risk transfer system.The sixth part is the conclusion and prospect of the research,whichsummarizes and explains some viewpoints of this paper.It is hoped that this paper can provide help for the construction of guarantee system in J province and improve the risk management mechanism of guarantee companies in J province.